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 Posted: Sat May 24, 2008 9:27 pm Subject: |
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Don't forget, you can also file a complaint with the BBB on any company, not just members of the BBB. I filed one on NCO, who has some employees that also uses scare tactics, lies, and other unethical and illegal behavior. I felt better just knowing it was a mark against them and added up to the already-thousands of complaints. (I don't think any collection agency belongs to the BBB. But there sure are reports on them anyway!)
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SusieQ
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Debtcc Points: 100
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| Posted: Sat May 24, 2008 11:29 pm Subject: |
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According to The Fair Debt Collection Practices Act, a debt collector may not contact you at work if you inform them that your employer disapproves. In addition, you may tell the collector (in writing) to stop contacting you at all and by virtue of this same Act, they must cease all contact with you except to acknowledge your letter or to tell you the creditor intends to take a specific action, such as take you to court or impound a possession if it was used as collateral for a loan (for example, a car). You must address this IN WRITING: verbal accounts (telephone calls and the like) will not hold up.
Furthermore, The Fair Debt Collection Practices Act forbids a creditor from making repeated phone calls to annoy the debtor and from calling and not identifying themselves.
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justinhi5
Joined: 22 Apr 2008
Posts: 86
Debtcc Points: 638
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| Posted: Sun May 25, 2008 12:55 pm Subject: |
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| Quote: | In the meantime, I have found a source for repayment and am sending it directly to american express and not to the company who contacted me on their behalf.
thanks for the advise and support.
Pedro |
Even though you have sent the payment directly to AMEX, Zwicker will still receive their commission for collecting on the account.
Also, ceasing a collection agency thru a forum will not cut it. All C&D must be done in writing and should be sent CMRRR>
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SOAPLADY
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Posts: 1193
Debtcc Points: 14208
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| Posted: Sun Sep 14, 2008 2:40 am Subject: Ignore Zwicker & Associates |
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Please do NOT be afraid of them. They have sued me and they may end up with a piece of paper that is worth nothing. If I were I will just protect my assets. For example, if you have a home, take a home equity loan (I guess given the current market may not be a feasible option) or simply put a family member as a lien holder. This way you will protect yourself from these devils. They are nasty......My uncle called them and made them an offer of almost 60% of the balance.....They threaten and now am going all the way...I want them to get a judgment because I have no assets and then I want to bend before me and take a 10c for a dollar....They only believe in scaring people and taking people to courts....Do NOT be afraid of them....Just protect whatever you have and you will be fine...When these fukkkers evils realize they cannot collect anything, then they will be reasonable.....They are NOT going to be nice. Their job is to be nasty....So do NOT be scared...Insult them if you have to and change your number.....Rick
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Rick09393
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